Future Government Payment Solutions - GSA SmartPay

We want your feedback on an interesting Washington Post article about the future of new business: http://www.washingtonpost.com/business/get-there/uber-just-the-latest-tech-firm-to-disrupt-an-industry-with-forward-thinking/2015/01/29/db40e478-a811-11e4-a7c2-03d37af98440_story.html

"How is it that every time a consumer uses a credit card, the retailer pays a 3 percent (or more) transaction fee to credit-card companies? Most of the new transaction processors — whether it’s Apple Pay, Square or PayPal — still process the back end through the major credit-card firms."  

Are we overdue for a new competitor that will be cheaper and more convient?  Thoughts?  Ideas?